Jurnal Ekonomi Syariah Pelita Bangsa

Analisis Tingkat Kepuasan Pengguna E-Wallet Terhadap Aplikasi DANA Studi Kasus Mahasiswa Universitas Muhammadiyah Lampung

Muhammad Fillah — 2025-10-27

This study aims to examine the influence of the quality of the DANA E-Wallet application on student user satisfaction at Muhammadiyah University of Lampung. Quantitative methods were employed, collecting data through Likert-scale questionnaires from 50 respondents. Variables analyzed include ease of use (X1), application features (X2), and user satisfaction (Y). Multiple linear regression analysis revealed that both independent variables significantly affect user satisfaction, with application features having the strongest positive influence and ease of use showing a negative effect. Validity, reliability, normality, multicollinearity, and heteroscedasticity tests confirmed the data met statistical assumptions. The results emphasize the importance of developing comprehensive and innovative features along with careful improvements in ease of use to enhance user loyalty and satisfaction. The conclusion indicates that application quality factors, especially features and ease of use, are key determinants in increasing user satisfaction of DANA E-Wallet among students.

Systematic Literature Review (SLR): Program Makan Bergizi Gratis Dalam Perspektif Maqashid Syariah

Indah Nuraini — 2025-10-27

Malnutrition and food insecurity remain significant challenges, especially in Muslim-majority countries. Free nutritious meal programs have emerged as strategic efforts to improve public health, particularly among vulnerable groups such as schoolchildren and pregnant women. This study employs a Systematic Literature Review (SLR) approach to examine the alignment of these programs with the principles of Maqashid Syariah, which emphasize the protection of life, intellect, and progeny. The findings reveal that such programs positively impact nutritional security, educational outcomes, and social development. When implemented based on Islamic values—such as ensuring halal-thayyib food standards and involving community-based initiatives through zakat and waqf—their sustainability and effectiveness are significantly enhanced. In conclusion, integrating Maqashid Syariah into free meal programs not only strengthens health and education outcomes but also serves as a comprehensive strategy for sustainable development aligned with Islamic ethical values.

Trust in Technology Sebagai Mediasi Pengaruh Ease of Transaction dan Halal Digital Lifestyle Terhadap Penggunaan QRIS

Nurdiana Putri — 2025-10-27

This study aims to analyze trust in technology as a mediator of the influence of ease of transaction and halal digital lifestyle on the use of QRIS. A total of 100 students from Hasyim Asy'ari University (UNHASY) were used as respondents in this study, who were randomly selected using the random sampling method. The approach used is quantitative with a causal associative research design. Data collection was carried out using a questionnaire instrument, then analyzed using the PLS-SEM approach, with an outer model evaluation including validity and reliability tests, and an inner model evaluation through a path coefficient test consisting of direct, indirect, and coefficient of determinants (R2). Based on the results of the analysis, it is known that ease of transaction has a significant effect on trust in technology, halal digital lifestyle has a significant effect on trust in technology, and trust in technology has a significant effect on the use of QRIS. In addition, trust in technology is proven to mediate the influence of ease of transaction and halal digital lifestyle on the use of QRIS.

Produk Tabungan Emas Pegadaian Syariah Sebagai Alternatif Investasi Halal

Irma Niawati — 2025-10-27

This study aims to examine the Pegadaian Syariah Gold Savings product as a halal investment alternative for Muslims in Indonesia. The background of this study is the increasing public interest in gold investment and the need for sharia-compliant financial instruments. Using a qualitative approach with descriptive methods, this study relies on secondary data from literature, journals, and official sources from Pegadaian Syariah. The study results indicate that Pegadaian Syariah Gold Savings offers various advantages such as guaranteed halal transactions, potential long-term profits, high accessibility, security and transparency, and protection against inflation. This product not only meets investment needs but also supports financial management in accordance with Islamic values. With a sale and purchase agreement (murabahah) and custody mechanism, as well as supervision by the DSN-MUI, Pegadaian Syariah Gold Savings is a halal, inclusive, and sustainable investment solution.

Analisis Praktik Green Economy dalam Islam: Upaya Menanggulangi Kerusakan Lingkungan oleh Sektor Industri

Fitrah Maya Sari Hasugian — 2025-10-27

This study aims to examine the implementation of green economy principles from an Islamic perspective and to explore the potential of Islamic values as the ethical foundation for environmental management in the industrial sector. The study employs a qualitative method through a literature review approach by analyzing scientific literature, policy documents, and sources of Islamic teachings. The findings indicate that the integration of green economy principles and Islamic environmental ethics significantly contributes to strengthening efforts to control environmental damage caused by the industrial sector. Therefore, it is necessary to formulate industrial policies that are not only oriented toward environmental efficiency but also aligned with the values of sustainability and Islamic spirituality.

Pengaruh Inflasi Dan BI-Rate Terhadap Nilai Impor Di Indonesia Periode 2017-2023

Adem Shah Jehan — 2025-10-27

Import value is one of the key indicators reflecting a country's economic dynamics and can be influenced by various macroeconomic variables such as inflation and the central bank interest rate (BI-Rate). This study aims to analyze the effect of inflation and BI-Rate on Indonesia’s import value during the period of 2017–2023. This research employs a quantitative approach using multiple linear regression analysis, based on monthly data within the observed period. The partial test results indicate that inflation does not have a significant effect on import value, although its regression coefficient is positive. Similarly, the BI-Rate also does not show a statistically significant effect on import value, as evidenced by the weak test result and negative regression coefficient. The simultaneous test further reveals that both independent variables together do not significantly influence Indonesia’s import value.

Pengaruh Zakat, Infaq, dan Indeks Pembangunan Manusia (IPM) Terhadap Pengentasan Kemiskinan di Indonesia Periode 2019-2023

Dwike Yuniar Wina Nisfulaili — 2025-10-27

This study aims to analyze the effect of zakat, infaq, and the Human Development Index (HDI) on poverty levels in Indonesia in 2019 2023. This study uses a quantitative approach with the panel data method and the Fixed Effect Model (FEM) model. The data used is secondary data from 34 provinces in Indonesia. The results showed that the zakat and infaq variables had no significant effect on poverty, although both had a positive relationship direction. This shows that the increase in zakat and infaq has not impacted poverty reduction, possibly due to non-optimal management and consumptive distribution patterns. Meanwhile, the HDI variable has a negative and significant effect on poverty, which means that improving the quality of education, health, and living standards can significantly reduce the poverty rate.

Islamic Microfinance Model: Combination of Commercial and Social Models in MSMEs Fostered by BAZNAS Bojonegoro

Shofa Robbani — 2025-10-28

This research employs a qualitative descriptive approach to understand how the Islamic microfinance model, which combines social and commercial aspects, is implemented in micro, small, and medium enterprises (MSMEs) supported by Baznas Bojonegoro. The data in this study were collected through three main techniques, namely in-depth interviews with semi-structured guidelines to explore the experiences of business actors related to financing, repayment systems, assistance, and the economic and social impacts of the program; participatory observation by visiting the business location directly to observe operational activities and interactions between MSME actors and BAZNAS; and documentation in the form of collecting supporting documents such as financial reports, data on the development of fostered partner businesses, and economic program policies. The results indicate that the financing model implemented by the National Zakat Agency (BAZNAS) is an effective strategy in encouraging the economic mobility of mustahik so that they are able to transform into muzaki sustainably in the future.

Pengaruh PDRB dan Inflasi Terhadap Tingkat Pengangguran Terbuka Dalam Perspektif Ekonomi Islam Di Kota Bengkulu Tahun 2015-2023

Aditya Gusti Varizal — 2025-10-28

This study aims to determine the effect of Gross Regional Domestic Product (GRDP) and inflation on the open unemployment rate in Bengkulu City from 2015 to 2023 with an Islamic economic perspective. The data used in this study are secondary data, namely quarterly data taken from the official website of the Bengkulu City Statistics Agency. The analysis techniques used in the quantitative approach are classical assumption tests, multiple linear regression tests and hypothesis tests and are assisted by software applications, namely IBM Statistics 2.20. and for the qualitative approach with the literature study method. The results of this study indicate that partially GRDP has a positive and insignificant effect and Inflation has a negative and insignificant effect on the Open Unemployment rate in Bengkulu City in 2015-2023. Simultaneously, GRDP and Inflation do not have a significant effect because they are not fully supported by various supporting factors. After that, with an Islamic economic perspective, it is revealed that the high unemployment rate and the discontinuity of wealth distribution reflect the suboptimal application of the values of justice in Islam.

Pengaruh Pemahaman Mahasiswa Tentang Hukum Riba Terhadap Keputusan Menjadi Nasabah di Bank Syariah

Elvira Khairunnisa Ibrahim — 2025-10-28

This study aims to examine the influence of students' understanding of riba (usury) law on their tendency to become customers at Islamic banks. The urgency of this study stems from the need to understand how students' knowledge level regarding riba in Islamic law plays a role in their decision-making concerning Islamic financial institutions. This research employed a quantitative method with a survey approach. A total of 41 students from the Islamic Economics and Islamic Economic Law study programs at STAI Imam Asy Syafii Pekanbaru were selected as respondents using a purposive sampling technique due to the relevance of their studies to the topic of riba law. The data analysis techniques used included data quality tests, descriptive statistics, classical assumption tests, and hypothesis testing. The results show that students' understanding of riba law has a significant and positive influence on their decision to become customers at Islamic banks. This is evidenced by the t-test result, which showed a t-count value of 6.520 with a significance (Sig.) value of 0.000 < 0.05. This figure indicates the rejection of H0 and acceptance of H1, meaning there is a significant influence. Additionally, the average score for understanding riba law was 30.2927, indicating a fairly good level of understanding among the respondents.

Faktor Penentu Aksesibilitas Pembiayaan Bank Wakaf Mikro pada Pelaku Usaha Mikro di Jawa Timur

Fellasufah Diniyah — 2025-10-28

This study aims to determine the factors that determine the accessibility of financing at Micro Waqf Banks. The method used is a quantitative method, using primary data distributed to micro-entrepreneurs around Islamic boarding schools where Micro Waqf Banks (BWM) are located in East Java. The sample in this study consisted of 100 respondents, namely 75 respondents received financing accessibility and 25 respondents did not receive financing accessibility. Data analysis used in this study was logistic regression using Stata 16. The results of this study indicate that factors that influence financing accessibility at BWM are influenced by the variables of age, education, and assets, while the variables of household size, income, length of business, network or recommendation, and business mentoring do not affect micro-entrepreneurs in financing accessibility at BWM. The limitations or implications of this study are limited to data obtained from two districts or cities in East Java. However, the novelty in this study lies in the accessibility of financing at Micro Waqf Banks, which are LKMS whose funding sources come from social funds, namely waqf.

Empowering Islamic Boarding School Economy Through Strategic Partnerships

M Andri Efindy — 2025-10-28

This study aims to determine the economic empowerment of Islamic Boarding School with a partnership system and to determine what impacts have been caused on the economy of Darul Hijrah Putera Islamic Boarding School in South Kalimantan. This study used a descriptive qualitative approach, and the interview method as data collection. The results of this study are economic empowerment at Darul Hijrah Putera Islamic Boarding School with a strategic partnership system including capital assistance, assistance in developing facilities, assistance in mentoring, and strengthening business partnerships. The impacts of this collaboration are the improvements in institutions, businesses, income, the environment, life and welfare of community.

Gerakan Koin NU Bentuk Pengejawantahan Ekonomi Kerakyatan Selaras Dengan Sistem Ekonomi Islam

Tri Almunawaroh — 2025-10-28

This literature review aims to understand the relationship between the NU Coin Movement and the people's economy and the Islamic economic system.The research data were obtained from various library sources, including books, articles, journals, official websites, and other scholarly writings.From the review of various sources, it can be understood that the NU coin movement is a movement for the independence of the community, where the funds collected from the NU community are managed by NU and used for NU. Its purpose is for the common welfare, to help the weak, empower the capable, and reduce social inequality among the community.The existence of a gotong royong system and the realization of people's sovereignty, "from NU, by NU, and for NU". Thus, it can be said that the NU coin movement is one of the manifestations/embodiments of the people's economic system. And in its transactions, it aligns with the concept of Islamic economics which aims to achieve maslahah ummah (public welfare), by adhering to the principles of aqidah/Tauhid, ownership, freedom, justice (‘adalah), balance, brotherhood/family (ukhuwah), and wealth distribution/prevention of wealth accumulation.

Pengaruh Literasi Keuangan Syariah dan Religiusitas Terhadap Perilaku Konsumtif Mahasiswa FEB Universitas Mataram

Putri Marotain — 2025-10-28

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan syariah dan religiusitas terhadap perilaku konsumtif mahasiswa FEB Universitas Mataram. Penelitian menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui kuesioner menggunakan skala Likert 5 poin. Analisis data dalam penelitian ini dilakukan menggunakan metode sensus, dengan teknik regresi linear berganda yang diolah melalui perangkat lunak IBM SPSS statistic 25. Temuan penelitian mengungkapkan bahwa baik secara parsial maupun simultan, literasi keuangan syariah dan religiusitas memberikan pengaruh negatif yang signifikan terhadap perilaku konsumtif mahasiswa Fakultas Ekonomi dan Bisnis Universitas Mataram.

Analisis Inovatif Terhadap Akad Jual Beli Syariah: Integrasi Teknologi Digital, Efisiensi Praktis, dan Prinsip ESG dalam Ekonomi Islam Kontemporer

Arlinta Prasetian Dewi — 2025-10-28

This article discusses innovation in the implementation of Sharia-compliant sales contracts through a multidimensional approach: digital technology integration, practical efficiency analysis, and the application of sustainability principles (Environmental, Social, and Governance/ESG) in contemporary Islamic economics. This study uses a qualitative method with a desk study approach, examining six main contracts: Murabahah, Salam, Istisna', Ijarah, Wadiah, and Qard al-Hasan. The findings indicate that digitalization offers opportunities to increase transaction efficiency and transparency, but requires attention to Sharia compliance. Furthermore, the ESG approach demonstrates the alignment of Sharia values with global sustainability principles. This research emphasizes the importance of collaboration between regulators, industry players, and academics in developing innovative Sharia-compliant contract models that are responsive to the challenges of the times.

Peranan BUMP dalam Meningkatkan Kemandirian Ekonomi Pesantren dalam Perspektif Ekonomi Syariah (Studi Kasus: Pesantren Syekh Hasan Yamani)

Abdul Malik — 2025-10-29

Currently, pesantrens are still dependent on donors and external assistance, so efforts are needed to achieve economic independence in order for pesantrens to be financially self-sufficient and sustainable. The purpose of this study is to examine the role of the Pesantren-Owned Enterprises (BUMP) in managing pesantren economic ventures to create a stable source of income and reduce dependence on external parties. The research method used is qualitative, with data collection through observation, interviews, and documentation. The results show that BUMP contributes significantly to improving the welfare of the pesantren and its students, as well as serving as an entrepreneurship learning medium for the students. With the existence of BUMP, the pesantren can carry out its functions of education, da'wah, and community empowerment more independently in economic terms. In conclusion, the existence of Pesantren-Owned Enterprises is a strategic step in realizing the economic independence of pesantrens, with professional management and optimal utilization of local potential.

Manajemen SDM Qur'ani dalam Bingkai Worldview Keagamaan Mediatif-Holistik Rekonstruksi Modernitas Melalui Empirisme Humaniora

Wira Syuhada — 2025-11-04

This study develops a Qur’anic HRM model using a meditative-holistic religious worldview approach that unites both transcendental and empirical dimensions. The novelty of this research lies in the reconstruction of empirical humanities based on Qur’anic values as an alternative paradigm that integrates spirituality, intellectuality, and rationality into HRM practices. Through a philosophical-hermeneutical approach, this study analyzes the concept of khalifah (Qur’an, Al-Baqarah: 30), the multidimensional potential of humans (Qur’an, As-Sajdah: 9), and the principle of mutuality (Qur’an, At-Tawbah: 71) to reconstruct modernity. The findings reveal that a meditative-holistic worldview can bridge transcendence and empiricism by integrating spiritual, intellectual, emotional, and social dimensions. This study contributes a Qur’anic HRM model that offers integrity-based recruitment, holistic development, performance evaluation oriented toward the common good (maslahah), and collective leadership. It contributes to modern humanities by offering a synthesis between scientific rationality and Islamic spirituality, while also providing practical guidance for contemporary organizations.

Pengaruh Kemudahan Penggunaan Dan Kualitas Sistem Byond BSI Terhadap Kepuasan Nasabah

Annisa Oktavia Harahap — 2025-12-03

This study aims to analyze the effect of ease of use and system quality on customer satisfaction, with respondents being Muslim students of Politeknik Negeri Medan. The research employs a quantitative approach using survey techniques. Data were collected through a Likert-scale questionnaire distributed to 100 respondents and analyzed using multiple linear regression with the assistance of SPSS version 26. The results show that, partially, the ease of use variable does not have a significant effect on customer satisfaction. Conversely, system quality has a positive and significant effect on satisfaction. Simultaneously, ease of use and system quality also have a positive and significant influence on customer satisfaction. The coefficient of determination (R²) value of 0.500 indicates that 50% of the variation in customer satisfaction can be explained by the two independent variables. The conclusion of this study emphasizes the importance of system quality in enhancing customer satisfaction with Islamic digital banking applications. These findings align with the Technology Acceptance Model (TAM) approach and the principles of Maqashid Sharia.

Analisis Determinan Volatilitas Saham Pada Jakarta Islamic Index (JII)

Farhadi Arifiansyah — 2025-12-04

The purpose of this study is to analyze the effect of dividend policy, leverage, asset growth, price-earnings ratio, and inflation on stock price volatility in Jakarta Islamic Index (JII) companies for the 2021-2024 period. The quantitative descriptive-causal research method used purposive sampling with a population of 30 and a sample of 18 consistent JII stocks. Secondary data were analyzed using multiple linear regression (Stata 14) after classical assumption testing. The dependent variables were independent volatility: Dividends, DER, asset growth, PER, and inflation. The results of this study are dividends (β=0.000456; *p*=0.010) and PER (β=0.0122; *p*=0.009) increase volatility significantly, while Leverage (β=-0.059; *p*=0.827), asset growth (β=0.0027; *p*=0.826), and inflation (β=0.0053; *p*=0.982) are not significant with a limited explanatory power of the model R²=16.57% the rest is explained by other variables outside the study.

Standar Garis Kemiskinan Dalam Perspektif Syariah

Amin Nur Kholid — 2025-12-05

This study aims to examine the concept of the poverty line from a sharia perspective. This study uses a qualitative-descriptive approach. The primary data source is literature such as books, journals, and articles related to Islamic economics that discuss the Islamic poverty line. Meanwhile, secondary data sources come from various literature that explain the primary data sources, including books, books, journals, and articles. The results of the study indicate three things: first, determining the standard poverty line from a sharia perspective can use two approaches: the had al-kifayah approach, and the nishab approach for gold zakat and agricultural zakat. Second, calculations using the nishab standard for the zakat poverty line are much easier and more rational than conventional approaches. Third, the poverty line based on the nishab gold is higher than the poverty line according to the World Bank.